3. Legal Liability & Insurance

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Transcript of 3. Legal Liability & Insurance

Legal ConcernsLiability-the state of being legally responsible for the harm one causes another personLegal Liability & InsuranceGood Samaritan LawProvides limited protection to someone who chooses to provide first aid. However, it does not apply to someone who has a duty to act as a dictated by the nature of his or her jobPreferred Provider Organizationsmust be approved by the insurancefee-for servicePrimary InsuranceSecondary Insurance

ReimbursementHealth Maintenance OrganizationsPersonal Liability InsuranceCovers claims of negligence on the part of the individual

Covers civil cases not criminal casesTypes of InsuranceStatute of LimitationsA specific length of time to sue for damages.

Plaintiff's typically have between 1 and 3 years to file a suit for negligence

Some state laws allow minors up to 3 years after they turn 18 to file a suit for negligence.Duty of CareA requirement that a person can act toward others and the public with watchfulness, attention, caution, and prudence that reasonable person in the circumstances would. If a person's actions do not meet this standard of care, then the acts are considered negligent, and any damages resulting may be claimed in a lawsuit for negligence.The standard of reasonable care assumes that an individual is neither exceptionally skillful nor exceptionally cautious, but is a person of reasonable and ordinary prudencegate keepersgenerally pay 100% within networkPoint of Service